Hawaii’s Kilauea Volcano Eruption Isn’t a Covered Event for Typical Travel Insurance

by Daniel McCarthy
Hawaii’s Kilauea Volcano Eruption Isn’t a Covered Event for Typical Travel Insurance

Photo: Shutterstock.com


Despite images of rolling lava and smoke coming out of Hawaii this week, the volcanic eruptions from the Kilauea Volcano on the Big Island will not be covered by the typical travel insurance provider. That’s because there have yet to be any reported travel disruptions from the events.

“There is not a covered event at this point in time,” Generali Global Assistance's Chief Operating Officer James Sion told Travel Market Report this week.

For the typical travel insurance plan to kick in, travelers would have to experience some kind of disruption in their plans. Since the majority of the 1,700 evacuees in Leilana Estates are residents and both Hilo and Kona airports, located on the Big Island, are up and running, that can’t be claimed.

“If Hilo or Kona [airports] shut down – then you have travelers that can’t travel,” Sion said. Both airports have been open without major delays or cancellations since the eruptions last week. As have many of the island’s most popular hotels and resorts, including Hilton Waikoloa Village, Fairmont Orchid, and Waikoloa Beach Marriott, which are all still open and accepting reservations.

“[If the] destination is uninhabitable, canceled services or has a significant travel delay, those situations may trigger coverage under their policy,” Allianz Global Assistance’s Daniel Durazo told Travel Market Report. “Standard travel insurance covers specific situations that may disrupt a trip.”

According to Sion, Generali has not received an atypical amount of calls relating to the eruptions. “The day after the eruption we did experience a few calls coming in and nothing out of the ordinary, nothing that has caused us any concern by way of volume,” he said.

Allianz Travel Insurance also has not received a tremendous amount of calls coming from people wanting to check coverage because of the eruption.

For a person to be able to use travel insurance because of the eruption, they would have to show proof of trip disruption.

What agents need to know
Travel agents should know that the best thing that they can do to assure clients that buying travel insurance is meant to provide peace of mind, Sion said.

Part of that is getting the right customer paired with the right policy — for example, someone who would want to cancel their trip to Hawaii because of the eruptions and despite the lack of disruption would need Cancel Anytime insurance.

“Cancel Anytime policies allow a traveler to cancel their trip for almost any reason and receive a reimbursement for a portion of their non-refundable travel deposit,” Durazo said.

Agents should let clients know that they can also use their insurance providers as a resource both before and during a trip.

“If travel agents are experiencing an increase in calls about whether or not there is travel insurance … the best advice that travel agents can give to their customers is to ask if they have the policy and understand what’s in it and then they can always call their provider,” Sion said.

“Our call center is open for most of the day. We can help put anyone’s concerns or fears to rest," Sion added.

  0
  0
Tip of the Day
Daily Top List

Travel Tricks Every Entrepreneur Needs to Know

1. Have a System for TSA Security.

2. Prepare Electronics for Continuous Work.

3. Pack for Success.

4. Plane Etiquette.

5. The Best Credit Cards for Travel.

Source: Forbes

TMR THIS WEEK
http://services.travelsavers.com/AMGService.svc/REST/GetImage?ImageID=45d3fb43-bb5a-e811-ba59-782bcb66a2f2

How Travel Agents Can Stay Relevant When the World Thinks They're Not

Sponsored by Travel Planners International

Stop trying to change consumers' perceptions of what a travel agent is or does. Instead, focus on changing the perspective of who you are.

TMR Recommendations
Top Stories
Millennials More Optimistic About Taking Vacations
Millennials More Optimistic About Taking Vacations

The Millennial market segment is driving the travel industry, taking more vacations and spending more money than any other age group.

Military Veterans and Family Members Encouraged to Become Travel Agents
Military Veterans and Family Members Encouraged to Become Travel Agents

Travel agents and industry leaders agree that the profession can help solve transitioning military unemployment issues while helping fill the industry’s growing need for new travel advisors.

Independent Contractors Gaining Ground in the Travel Agent Community
Independent Contractors Gaining Ground in the Travel Agent Community

The dynamics of the retail travel industry have shifted dramatically over the course of a decade, with an explosive growth of ICs and IC hosts.

Why Some Travel Agents Ask for Budgets Up Front
Why Some Travel Agents Ask for Budgets Up Front

Never be the first to quote a number, expert negotiators say. But when it comes to travel, sharing your number with your agent ensures the best possible vacation.

Travel Agents Have Voices Heard in D.C. During ASTA's Legislative Day
Travel Agents Have Voices Heard in D.C. During ASTA's Legislative Day

Having their day on Capitol Hill, agents bring key issues to the Senate and House of Representatives.

Americans Are Vacationing More Now Than Any Point Since 2010
Americans Are Vacationing More Now Than Any Point Since 2010

In another encouraging sign for travel agents, upward leisure travel trend helps U.S. reach highest level of vacation day usage since 2010.

News Briefs
TMR Report Cards
Advertiser's Voice
Advertiser's Voice: Norwegian Cruise Line